Tow Program

The Tow Program is designed for professional towing operations that also engage in approved ancillary operations such as auto repair, body shop, salvage yards, storage, gas sales and more.  Our program is among the broadest and most flexible product on the market and our underwriting is very responsive.

Key Points of Our Towing Package
  1. No exclusive radius endorsement - we do not, by form, reduce the radius or miles a tower can operate from the garaging location. Many of our competitors have this limitation.
  2. Loading and unloading is included in our cargo form, and will cover the cargo while it is in the process of recovery until it is delivered or stored.
  3. Our cargo form is the broadest in the industry with coverage for equipment hauled as well as autos. Contents of vehicles are covered as well.
  4. NO DRIVE TRAIN EXCLUSION - we do not exclude drive train damage on our cargo form.
  5. Debris removal is included in our cargo form with a sub-limit of $2,500.
  6. NO liability deductible.
  7. General liability covers premises and operations - even operations away from the premises such as road side repair work (tire changes, jump starts, lockouts).
  8. 24/7 claims handled by towing adjusters with knowledge in the industry to get the claim handled quickly without the learning curve of novice adjusters.
  9. Accidental Death and Dismemberment of $10,000 per life on the policy is included on all accounts offered through American Transportation Association, Inc.
  10. A rated insurance company that will be available to pay the claims
  11. Broad driver guidelines.

Coverages and Limits
  • Auto Liability - $100,000 to $1,000,000 CSL
  • Physical Damage - comprehensive and collision - Actual Cash Value (ACV) Rated on cost new basis
  • Auto Medical Payments - $1,000 to $5,000
  • Uninsured/Underinsured Motorist (non-stacked) - Basic limits or as required by law
  • Personal Injury Protection - Basic limits or as required by law
  • General Liability - $100,000 to $1,000,000 CSL
  • Hired and Non Owned Liability - Limits equal to General Liability
  • Garage Keeper's Legal Liability - Maximum limit per location $500,000 CSL
  • On Hook/Cargo - Maximum limit per auto $300,000

Deductibles
  • Auto Liability - No deductible 
  • General Liability - No deductible 
  • Physical Damage - $500 - $2500
  • Garage Keeper's Legal Liability - Minimum $500 comp and $500 collision 
  • On Hook/Cargo - $1,000 to $2,500

Submissions
  • 1 to 4 Units - Use the quick quote sheet 
  • 5+ Units - Use the Supplemental application and Acords for all others. 
We can use anyone's application for quoting purposes but will require our forms if bound.

Policy Details
We are best on 1 to 7 units, 3 year loss history ratio of 40% or less with experienced drivers with good records and low driver turnover.  Below is some additional underwriting information.

  1. New in business accounts.  Owner must be at least 25 years of age.  Owner must have a minimum of 5 years experience on similar equipment.  A surcharge will be applied and no credit allowed on new ventures.  Limit of 5 units for the first year.  New in business is defined as an applicant that has not carried continuous insurance coverage in their name for the specific coverage desired for at least the past 24 months (2 years).
  2. Loss Runs: 
    1. 1 to 5 units - Underwritten on driving  records and loss history.  A loss statement letter is required before releasing quotes.  We encourage you to obtain 3 years of loss runs, but if not available, a loss statement signed by the insured along with the current year loss run will be acceptable. Use the statement given to you only.  In the event of a loss without loss runs in the file, we will order loss runs to verify the loss statement.  If there is material misrepresentation the claim could be denied and the policy cancelled. 
    2. 6 to 10 units - A loss statement letter is required before releasing quotes.  Three years of currently valued loss runs must be received prior to binding. 
    3. 11 or 25 units - Three years of currently valued loss runs are required before quoting. 
    4. Over 25 units require 5 years of currently valued loss runs with a full submission prior to quoting.
  3. Applicants must comply with the applicable provisions of the Federal Motor Carrier Regulations.
  4. Applicants must be primarily involved in the towing and/or auto transport industry.
  5. Applicants should not allow new employees to drive a tow truck until their MVR is approved by TUMI.
  6. Hire dates must be shown for all drivers.
  7. Applicants must have an adequate vehicle maintenance program that is consistently applied to all scheduled vehicles.
  8. Any vehicle with tandem axles and/or capable of hauling a tractor or a trailer over 35' must be rated extra heavy.  
  9. All dealer/transporter plates must be scheduled on policy for coverage to apply.
 
Property Underwriting Guidelines
Property may be packaged with Auto Coverage for the Towing, Auto Hauler, Garage and Dealers and Mobile Repair programs. 

Authority Limits
Coverage, Limits
Building: $1,000,000
Business Personal Property: $500,000
Business Income: $250,000
With or without extra expense

Minimum policy premiums are $500

Deductibles are $500 to $5,000

State/Area Restrictions
For all coastal states, we will not write property coverage within 10 miles of the coast line with the exception of NY, VA and MD. In these states, coverage may not be written within 1,000 feet of the coast line.


Causes of Loss
Basic
Broad
Special

Unacceptable
Dwellings
Farms
Builders Risk
Buildings more than 100 years old
Non Approved Spray Booths
Mobile Trailers in Florida

Documentation
Acord Application 125 and 140
Risk with Spray Booths require the UL# or a photo of the booth
Photos or inspections required on all buildings over 30 years old.

Rating
ISO Rating Using Company LCM

 

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